What Is CFC Insurance?
CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. 1,2,3,4
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 8,9
What Is Management Liability Insurance?
Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. 12,13,14,15,16,17
Key Differences in Management Liability Insurance
Eligibility and package scope
CFC’s US Management Liability package combines D&O, employment practices, fiduciary and crime, and its brochure lists favored industries such as technology, manufacturing and professional services. It also names California-domiciled businesses and US publicly traded companies among declined risks. 6 Liberty Mutual identifies private and not-for-profit organizations as ProShield audiences. Those descriptions let a buyer check basic fit, but neither is a substitute for confirmation against the business’s domicile, ownership and industry. 5 10
Additional protections and policy detail
CFC also lists executive cyber, kidnap and ransom, executive reputation protection and court attendance costs within its package description. 6 Liberty Mutual’s page names the four core ProShield lines but does not establish whether comparable extensions are available or how they are worded. A buyer comparing the packages should ask which components are actually selectable, what is sublimited, and which exclusions apply; labels alone do not show the final scope of protection. 5 10
What to Confirm in Management Liability Insurance Quotes
- Ask CFC to confirm eligibility for the company’s domicile and public status, and provide terms for the additional package features.
- Ask Liberty Mutual whether ProShield offers executive cyber, reputation, kidnap-and-ransom or court-attendance extensions, and request their wording.
CFC and Liberty Mutual Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CFC Review Score
Review Score
No reviews found
The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.[4][11]
Read CFC reviewsLiberty Mutual Review Score
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsCFC vs Liberty Mutual Management Liability Insurance Compared
CFC vs Liberty Mutual: Management Liability Insurance: documented features by provider
| Criteria | CFC Management Liability | Liberty Mutual ProShield Management Liability |
|---|---|---|
| Role in This Line | CFC sells directors and officers, employment practices, fiduciary and crime coverage together in one US Management Liability package rather than as separate standalone products. CFC separately sells Side A DIC, an excess product for directors and officers only. 5,6Company-reported. CFC's US management-liability product page and January 2026 brochure; package composition as CFC describes it, not an issued policy. | Liberty Mutual markets ProShield as a management-liability package combining D&O, employment-practices, fiduciary and crime coverages. 10,11Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Issuing Insurer | CFC's regulatory page discloses that CFC Underwriting Limited is FCA-authorized and that CFC's Lloyd's Syndicate 1988 is managed by Asta Managing Agency Ltd, but the reviewed management-liability pages do not name the specific carrier or syndicate that would issue a given US package. 4,6Not publicly disclosed. Regulatory information page and management-liability brochure as read on 2026-09-23; the insurer identified on an actual quote or declarations page controls. | Confirm in your quote. |
| Who It’s For | CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for this package, and lists industries it favors, including manufacturing and distribution, technology, professional services, architects and engineers, and non-profits. 6Company-reported. Brochure's 'What we like' and 'What we decline' lists; underwriting still applies to any individual business, and the list is not exhaustive. | The ProShield page identifies private and not-for-profit organizations as its intended audiences; industry-page listings do not establish universal eligibility. 10,11Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Coverage Features | CFC describes the package as covering directors and officers liability, employment practices liability, fiduciary liability, crime, executive cyber, kidnap and ransom, and executive reputation protection, plus court attendance costs. 5,6Company-reported. Brochure's opening description and 'What else is in the policy?' list; the actual policy wording and any endorsements control what a given buyer receives. | The page describes selected features for the component lines, but does not establish the terms, limits or exclusions in an individual ProShield policy. 10,11Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Limits and Retentions | The reviewed product page and brochure do not publish per-occurrence or aggregate limits, retentions or premium ranges for the package. The reviewed pages checked did not disclose these figures. 6Not publicly disclosed. Product page and brochure as read on 2026-09-23; limits and deductibles appear on the quote and declarations. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 10,11Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| Risk Services | CFC's brochure says the executive reputation protection component includes access to its reputation-management specialists, and its claims page describes a claims team organized by industry and specialization rather than by insurance line. 6,7Company-reported. Brochure and claims page descriptions of CFC's own services; not an independent measure of service quality. | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. 10,11Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| How to Apply | The reviewed management-liability page and brochure do not describe an online quote or self-service application; they point prospective buyers to CFC's named US Management Liability Team. 5Not found in reviewed sources. Product page and brochure as read on 2026-09-23; a broker may have access to a separate application form not reviewed here. | Confirm in your quote. |
| Claims Support | CFC provides a US claim-notification route by phone, email and online form, and says a dedicated claims adjuster manages a claim from notification through resolution. Margaret Murphy is named as Global Head of Claims. 7Company-reported. Claims page as read on 2026-09-23; notification channels and role descriptions, not claims-payment outcomes or timing. | Confirm in your quote. |
Related Pages for CFC vs Liberty Mutual Management Liability Insurance
Management Liability Insurance Pages for CFC and Liberty Mutual
Other Coverage Lines Compared for CFC vs Liberty Mutual
Other Management Liability Insurance Provider Comparisons
Sources for CFC vs Liberty Mutual Management Liability Insurance
Sources About CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc. Accessed 2026-09-23.
- Management liability. CFC; Our management liability products: Management liability, Side A DIC; Meet the team. Accessed 2026-09-23.
- Management liability — United States product brochure. CFC; Directors and officers cover; Employment practices liability; Executive reputation protection; Executive cyber; Crime cover; At a glance: What we like; What we decline; What else is in the policy? Accessed 2026-09-23.
- Claims. CFC; Notify a claim or cyber incident; We're in it with you; Our claims team. Accessed 2026-09-23.
Sources About Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- ProShield. Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms. Accessed 2026-09-29.
- Professional services. Liberty Mutual Business Insurance; Opened September 29, 2026. Lines 129–138 list professional-services program coverages: GL with Services endorsement, property, commercial auto, workers compensation, umbrella/excess, D&O, professional liability, cyber, EPL and fidelity/crime. Lines 139–148 describe M&A transactional-liability solutions including representations and warranties, tax liability and contingent legal risk. These are professional-services industry positioning, not universal eligibility or standalone line terms; distribution and policy caveats at lines 164–176 and 234–236. Accessed 2026-09-29.
Sources for the Management Liability Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16.
- Management Liability Insurance. The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16.
- The ForeFront Portfolio. Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I p.1; III pp.2–3; IV pp.4–6; VI pp.6–8. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers Casualty and Surety Company of America; III.B p.3; III.C pp.4–5; III.D–G pp.5–6. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage Application. Travelers Casualty and Surety Company of America; I–II pp.1–2; III–IV pp.2–3; V–VIII pp.3–4. Accessed 2026-09-16.
